I'm about 40 miles north of you, so I'm going to assume your market is similar to mine. 

Podcast shows 3-4 times a week.Anyways I am interested on investing locally on the Bay Area( mainly north bay, Marin and Vallejo) as well as in Sacramento.

I have written policies because of severe flood risk that are north of $3000 annually.  

s agent, of course); further north, I've seen 5% (2.5% each). 

As @Joseph Hennis points out, if you haven't been outside of Utah, you aren't qualified to use the term "war zone".Not the best block in town (nor the worst), but I like the building(s) and numbers on it.

Extra points if they're on the north side of town.

With our skill sets our time and money would be better used in an area with a much better economy (not here in the very north country).  

Someone I know has a condo in North Center/Roscoe Village area, good street, nice 3 unit building.

The money I receive from the down payment along with some other cash I have, I am looking at about 200-250k that I would like to invest in North Carolina.

If you were interested in the Park St property in Dover....that is a C class neighborhood, you may find similar a little further north.